for CA residents

Discussion in 'Credit Talk' started by Pat, Aug 20, 2000.

  1. Pat

    Pat Guest

    The FCRA allows pre 1997 charge offs to stay on a credit report for 7 years from charge off. Newer charge offs are removed 7 years after the "first delinquency that lead to the charge off"... as much as a year earlier than the charge off date.
    Good news for Californians- CA Code of Civ. Procedure sec. 1785 requires this ealier removal for ALL charge offs for CA residents.
  2. Crdt Dfnse

    Crdt Dfnse Well-Known Member

    About The Source Of Your Infoâ?¦

    I donâ??t know where youâ??re getting your information, inasmuch as California Code of Civil Procedure §1781. to 1787., inclusive, were repealed in 1921 (Stats. 1921, c 111, § 8).

    Also Civil Code §1785. was likewise withdrawn January 1, 1965 (Stats. 1963, c. 819, p. 1997, § 2). Perhaps you could clarify and/or be more specific as to the subsections or cites you are referring to?

    Anthony Villaseñor
  3. Pat

    Pat Guest

    I was SLOPPY!!

    CA Civil Code sec 1785.13 et seq
    not CCP. Oops.

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